At that time, the central bank decided that from June 27th, 2008 10, financial institutions would provide loans for residents to purchase their first-time self-occupied houses and improved ordinary self-occupied houses. The lower limit of the loan interest rate could be extended to 0.7 times the benchmark loan interest rate, and the minimum down payment ratio was adjusted to 20%.
According to the customer service staff of China Construction Bank 95533, according to the latest notice, as long as the customers whose benchmark interest rate is 0.85 times before the adjustment, they have not defaulted on their loans for more than two times in the past two years, and they have not defaulted on their loans and have more than two outstanding mortgages, they can apply for a 30% discount on the interest rate during the period from 65438+1October 4 to February 22.
The customer service staff of Industrial and Commercial Bank of China, Agricultural Bank of China and China Bank also indicated that the detailed rules of preferential measures for stock mortgage have been sent to the personal loan business department. According to ABC sources, the four major banks of industry, agriculture, China and construction all have specific preferential measures before the festival, and the difference is not big. It is estimated that it will be implemented after the holiday.
Application conditions
It is understood that most of the rules issued by various banks are similar. The basic requirement is a 15% discount (0.85 times) on the previous benchmark interest rate, no bad credit record, and some banks have loan balances and restrictions on the first suite.
In fact, before New Year's Day, many banks in Beijing have introduced preferential policies of 30% interest rate on existing mortgages, including Minsheng Bank, Bank of Communications, Guangfa Bank, Bank of Beijing and other small and medium-sized commercial banks.
According to industry analysis, if the four major banks have more extensive restrictions on the detailed rules of preferential interest rates for stock mortgage loans, other small and medium-sized banks will definitely relax their conditions and be more flexible than big banks. It is reported that old customers of existing mortgages can apply for preferential interest rates after New Year's Day.